I fell into foreclosure in March of 2010. B of A initially refused short-sale and deed in lieu. The foreclosure stalled until March 2014, when my HOA asked the courts to intervene. In May of 2015, my case was dismissed without prejudice. In December of 2015, the loan was sold. Aside from monthly statements, I have not been contacted by the new mortgage company. The mortgage has not been officially reassigned. There is some question as to whether the bank even has the ability to foreclose. Having no other debt, can I foreclose on just the house? What would happen then? As of this moment, there is not even a record of the mortgage on my credit reports.
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